nCino

The nCino Mortgage Suite offers the only intelligent mobile-native Point of Sale that delivers end-to-end automation from application to close with AI-powered tools, an automated incentive compensation management tool, and unified analytics that increase profitability and operational efficiency. Built for IMBs, banks, and credit unions, nCino increases mortgage profitability by automating origination and closing, delivering modern borrower, loan officer, and partner experiences, surfacing data insights, and simplifying incentive compensation management.

Mortgage — Capture more leads, streamline the customer journey, and execute origination and closing processes with improved efficiency through a mobile POS that connects borrowers, loan officers, and third-party stakeholders in one seamless experience.

Lead Gen Pre-Qual — Convert prospects into pre-qualified borrowers in minutes using customizable forms, automated credit checks, and Freddie Mac's LPA Check — no account creation or full application required.

AI Loan Comparison — Surface AI-powered, personalized loan options on desktop or mobile, helping borrowers make faster, more confident decisions while reducing LO workload.

AUS & Smart Tasks — Automatically translate underwriting results into clear, actionable next steps using AI, reducing processing time and keeping loans moving forward.

Doc VOI — Automatically process uploaded W-2s and paystubs through Freddie Mac's AIM API to deliver instant income verification, GSE-ready field population, and a seamless audit trail.

Automated Disclosures — eliminate manual eFolder navigation in Encompass by automatically generating initial disclosures for all borrower pairs with a single field entry, reducing processing time from 3–5 minutes to 15–30 seconds per loan

Incentive Compensation — Replace manual spreadsheets and email chains with automated compensation management that delivers accuracy, transparency, and efficiency every payroll period.

Mortgage Analytics — Increase productivity with intuitive dashboards, pipeline views, loan-level drill-downs, and scorecards that support a unified data strategy.

Doc Validation including  Data Extraction — AI-powered document validation instantly classifies uploaded files, provides real-time borrower feedback, and automatically extracts and pre-fills data into the mortgage application and LOS fields, eliminating manual processing and accelerating loan closing.

Mortgage Advisor — A GenAI-powered chat experience embedded in the borrower portal, providing 24/7 multilingual, loan-specific guidance with compliance-focused responses and fully customizable lender branding.

Refi Opportunity Analyzer — Automatically scan your closed loan portfolio, score borrowers using OBMMI index analytics, and generate prioritized refinance outreach lists to drive new loan volume and improve borrower retention.

Customer ROI

• 88% improvement in loan application time (IMB customer)
• 49% improvement to average cycle time (Credit Union customer)
• 80% decrease in loan closing time (Bank customer)
• Source: Metrics are reported from customer data alone and reflect customer experience on the nCino platform.